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CFO Lending借贷行为不公 遭FCA3400万英镑罚款

全新的互联网金融模式国际资讯监管与政策

CFO Lending借贷行为不公 遭FCA3400万英镑罚款

Big Fine: CFO Lending Provides £34 Million Redress for Unfair Lending Practices with FCA Agreement

发薪日贷款公司CFO Lending由于不公平的借贷行为,受到英国金融市场行为监管局的管制(FCA)。

CFO Lending公司旗下还包括Payday First, Flexible First, Money Resolve, Paycfo, Payday Advance以及Payday Credit。据FCA称,CFO Lending公司将为97000多位客户提供超过3400万英镑的补偿金。该协议包括向客户支付290万英镑现金,以及注销客户3190万英镑的债款,这是很大的处罚。绝大多数客户都有短期高利率贷款,但一些客户的贷款是担保人贷款,一些客户这两种贷款都有。CFO Lending公司在其网站上贴出了如下通告:

CFO Lending公司不再提供短期高利率贷款,或称发薪日贷款。

FCA的监管、零售、授权主任Jonathan Davidson称:“我们发现CFO Lending公司没有公平对待客户,所以我们勒令该公司立即停止这种不公平的行为。此后我们一直与该公司密切协作,现在我们对CFO Lending公司取得的进步及其纠正先前错误的方式非常满意。纠正错误的方式之一就是通过补偿金项目,处理好顾客的贷款状况。CFO Lending公司的顾客不需要主动采取任何行动,公司会在2017年3月前主动联系所有受到影响的顾客。”

FCA引述了2009年4月的缺点,强调了发薪日贷款公司一些“重大”缺点:

· 公司的系统没有正确显示顾客的贷款余额,导致一些客户实际还款额高于应还款额

· 滥用顾客的银行信息,在未经允许的情况下扣除款项

· 过度使用连续支付授权(CPA),收取客户的未清余额。公司有理由相信或怀疑客户处于经济困难状况时,往往就会这么做。

· 对经济困难的客户不够宽容,如拒绝客户或客户的顾问提出的合理还款方案

· 向客户发送威胁、误导性的信件、信息和邮件

· 例行公事地向信息评级机构报告不实客户信息

· 没有评估顾客能否负担得起担保人贷款

自FCA2014年8月采取行动以来,CFO Lending公司及其子公司已不再就未清偿债务联系顾客了,开始“独立审核以往的业务”。FCA对独立审核的结果感到满意,于2016年2月对该公司发放了有限制的许可,允许其收取已有债款,但不允许其发放新的贷款。

若您认为该公司的行动可能对您造成影响,可前往CFO Lending公司的网站及FCA网站查看更多信息。

The Financial Conduct Authority (FCA) has slapped down CFO Lending, a payday loan firm, for unfair lending practices. CFO Lending also operated as Payday First, Flexible First, Money Resolve, Paycfo, Payday Advance and Payday Credit. According to the FCA, CFO Lending will provide over £34 million of redress for more than 97,000 customers. The agreement includes £2.9 million in cash payments to customers and £31.9 million of customer write-offs, a significant penalty. Most of the customers had short term loans associated with high cost but but some customers had guarantor loans and some had both. CFO Lending has posted a notice on its site stating;

CFO Lending no longer provides access to high cost short term credit, otherwise known as payday loans.

"We discovered that CFO lending was treating its customers unfairly and we made sure that they immediately stopped their unfair practices," stated Jonathan Davidson, Director of Supervision - Retail and Authorisations at the FCA. "Since then we have worked closely with CFO Lending, and are now satisfied with their progress and the way that they have addressed their previous mistakes. Part of addressing these mistakes is making sure they put things right for their customers with a redress programme. CFO Lending customers do not need to take any action as the firm will contact all affected customers by March 2017."

The FCA cited shortcomings dating back to April of 2009. The FCA highlighted the "serious" failings by the payday lender, including:

·  The firm's systems not showing the correct loan balances for customers, so that some customers ended up repaying more money than they owed

·  Misusing customers' banking information to take payments without permission

·  Making excessive use of continuous payment authorities (CPAs) to collect outstanding balances from customers. In many cases, the firm did so where it had reason to believe or suspect that the customer was in financial difficulty

·  Failing to treat customers in financial difficulties with due forbearance, including refusing reasonable repayment plans suggested by customers and their advisers

·  Sending threatening and misleading letters, texts and emails to customers

·  Routinely reporting inaccurate information about customers to credit reference agencies

·  Failing to assess the affordability of guarantor loans for customers.

Once the FCA took action in August of 2014, CFO Lending and its affiliates stopped contacting customers regarding outstanding debts while it launched an "independent review of its past business". In February 2016, the FCA, satisfied with the results of the independent review, authorised the firm with limited permission to collect its existing debts but not to make any new loans.

Consumers who believe they may have been impacted by the firm's actions may find additional information on the CFO Lending websites as well as the FCA site.

GELP

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